Bank · FDIC insured
Exchange Bank Savings Rates
Exchange Bank’s best savings rate is 0.10% APY on $10,000, with its Prime Account. Rates checked October 22, 2026.
How Exchange Bank’s savings rates compare
Compared with banks and credit unions near Gadsden, AL, where Exchange Bank has the most branches. $10,000, best rate first.
This bank’s best
Exchange Bank
0.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Prime Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Family Savings Credit Union
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
Exchange Bank savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.69%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Exchange Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Prime Account
0.00%APY on $10,000
Six debit transactions per monthly statement cycle with no fee ($10.00 per item charge for additional debits over six). Prime Interest compounded monthly and paid monthly. Currently, US Prime is 7.00%.
| Part of the balance | Rate on that part |
|---|---|
| $35,000 and up | 1.05% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (1)
- exba.com/personal/personal-sav…investment-in-gadsden-al · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.